515 Debbie Ct, Boulder Creek, CA 95006 Property Records

Santa Cruz County property record for 515 Debbie Ct, Boulder Creek, CA 95006

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,610 sqft · built 1984
Lot Size	0.205 acres (8,930 sqft)
Owner	Individual Name on File
Last Sale	$699,000 (May 2018)
Tax Bill	$9,623 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-181-20`

Property Details

APN / Parcel Number

Primary APN	`090-181-20`
Alternative APN	`090-181-20-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,610 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,930 sqft (0.205 acres)
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	515 DEBBIE CT
City	BOULDER CREEK
State	CA
Zip	95006-9421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Description	MAP D7 911 TR 284
Legal Subdivision	FAIRMOUNT HEIGHTS SUB #1 TR #284
Legal Tract	284
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SAN LORENZO VALLEY
Census Block Group	4
Census Block	4000
Census Tract	120400

Owner

515 Debbie Ct is owned and occupied by an individual who bought it in May 2018.

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	515 DEBBIE CT, BOULDER CREEK, CA 95006-9421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
May 24, 2018	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Prior Sale	Apr 30, 1999 · Amount on File
Deed Document Number	201815796
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	515 DEBBIE CT, BOULDER CREEK, CA 95006-9421
Transaction Type	Mortgage
Record Updated	Jan 4, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 DEBBIE CT, BOULDER CREEK, CA 95006-9421

Mortgage

Document Number	0000061532
Date	Dec 21, 2021
Instrument	2021-0061532

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 24, 2018
Property Address	515 DEBBIE CT, BOULDER CREEK, CA 95006-9421
Document Number	0000015796
Map Reference	VOL 38 PG 7
Instrument Date	May 17, 2018
Instrument	2018-0015796
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 DEBBIE CT, BOULDER CREEK, CA 95006-9421

Mortgage

Document Number	0000015797
Date	May 24, 2018
Instrument	2018-0015797

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 515 Debbie Ct was $9,623 with a homeowner's exemption.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	San Lorenzo Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$811,249 (+2%) Land $527,312 Building $283,937
2025	$9,623.00 Homeowner's exemption	$795,343 Land $516,973 Building $278,370
2023	$9,227.00 (+2.42%) Homeowner's exemption	$764,459 Land $496,898 Building $267,561	$714,420
2022	$9,009.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 515 Debbie Ct in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (1982–2023)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Feb 2023 · Severe Winter Storms And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 515 Debbie Ct is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAN LORENZO VALLEY WATER DIST serves 21,513 people · EPA ID CA4410014
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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